10867 Dice Rd, Freeland, MI 48623 Property Records

Saginaw County property record for 10867 Dice Rd, Freeland, MI 48623

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,922 sqft · built 2018
Lot Size	58 acres (2,528,222 sqft)
Owner	Individual Name on Record
Last Sale	$222,000 (Apr 2018)
Tax Bill	$12,799 (2025)
Deeds & Mortgages	Apr 2019 Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`28-12-3-09-2002-000`

Property Details

APN / Parcel Number

Primary APN	`28-12-3-09-2002-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,922 sqft Living Area
1st Floor Area	1,948 sqft
Basement Area	1,948 sqft
Unfinished Basement	1,456 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,528,222 sqft (58 acres)
Garage Area	2,958 sqft
Parking Spaces	10 Parking Spaces
Deck Area	Deck Area
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	10867 DICE RD
City	FREELAND
State	MI
Zip	48623-8522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	BEG AT A PT 657 FT E FROM NW CORN OF SEC 9 TH CONT E 103 FT TH S 260 FT TH E 450 FT TH N 260 FT TH E 100 FT TH S 2622.92 FT
Legal Range	03E
Legal Township	12N
Legal Section	09
Jurisdiction	SAGINAW MI
Township / Civil Division	THOMAS
Census Block Group	2
Census Block	2022
Census Tract	12002

Owner

Source: Saginaw County records, as of August 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 194, FREELAND, MI 48623-0194
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2019	Deed of Trust, Mortgage · ARM ISABELLA BANK
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage WILDFIRE CU
Sep 6, 2019	Quit Claim Deed, Transfer WILDFIRE CU
Jun 29, 2018	Quit Claim Deed, Transfer · Stand-Alone Refinance ISABELLA BANK
Apr 10, 2018	Warranty Deed, Transfer · Conventional Mortgage WILDFIRE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2018 · Amount on Record
Deed Sale	Apr 10, 2018 · Amount on Record
Prior Sale	Jan 23, 1995 · Amount on Record
Deed Document Number	20188331
Last Transfer Date	Aug 16, 2019
Transfer Doc	0000022372
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	10867 DICE RD, FREELAND, MI 48623-8522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012085
Date	Apr 25, 2019
Instrument	2019012085

Lender

Name	ISABELLA BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	349 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	May 1, 2026
Index	Other

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAGINAW MI
Property Address	10867 DICE RD, FREELAND, MI 48623-8522
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10867 DICE RD, FREELAND, MI 48623-8522

Mortgage

Document Number	0000029972
Date	Nov 24, 2020
Instrument	2020029972

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Sep 6, 2019
Property Address	10867 DICE RD, FREELAND, MI 48623-8522
Document Number	0000022372
Instrument Date	Aug 16, 2019
Instrument	22372
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10867 DICE RD FREELAND MI 486238522, FREELAND, MI 48623-8522

Mortgage

Document Number	22373
Date	Sep 6, 2019
Instrument	22373

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48605-3285

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2049

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAGINAW MI
Recording Date	Jun 29, 2018
Property Address	10867 DICE RD, FREELAND, MI 48623-8522
Document Number	2018018314
Instrument Date	Jun 21, 2018
Instrument	2018018314
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8338 N GLEANER RD, FREELAND, MI 48623-9534

Mortgage

Document Number	0000018315
Date	Jun 29, 2018
Instrument	2018018315

Lender

Name	ISABELLA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAGINAW MI
Recording Date	Apr 10, 2018
Property Address	10867 DICE RD, FREELAND, MI 48623-8522
Document Number	0000008331
Instrument Date	Apr 6, 2018
Instrument	8331
Transaction Type	Transfer
Record Updated	Apr 18, 2018
Title Company	HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8338 N GLEANER RD FREELAND MI 486239534, FREELAND, MI 48623-9534

Mortgage

Document Number	8332
Date	Apr 10, 2018
Instrument	8332

Lender

Name	WILDFIRE CU
Type	Credit Union
Address	SAGINAW, MI 48604

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Saginaw County assessment roll, as of August 21, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Saginaw County
County Subdivision	Thomas Township
Unified School District	Hemlock Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$454,100 (+21.51%)	$908,200 (+21.51%)
2025	$12,799.00 (+29.95%) Homeowner's exemption
2023		$373,700	$747,400
2022	$9,849.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2014 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Dice Rd

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